Summit State Bank provides various commercial banking services to individuals and businesses in its primary service area of Santa Rosa, California and the surrounding vicinity. The bank’s deposit products include various checking accounts, tiered savings, money market accounts, certificate of deposits, and retirement accounts. Its loan products comprise business credit, real estate credit to purchase or refinance commercial or multi-family properties, construction credit to build or expand facilities, and personal credit. Business credit products consist of lines of credit for short-term working capital, A/R, and inventory; term loans and leases for acquiring equipment and other assets; bridge loans for timing issues; letters of credit; and credit cards. Personal credit products contain home equity lines of credit, home equity loans, mortgage loans, car loans, boat and RV loans, educational loans, credit cards and debit cards, and other personal loans. Summit State Bank also offers SBA loans for purchase of owner occupied real estate, equipment, inventory, business acquisition, and debt refinance; and for purchase or construction of owner occupied real estate. It also provides ATM, Internet, and phone banking services, as well as automated clearing house, automatic loan payments, bank by mail, business cash management, direct deposit, merchant bank card, night depository, notary, official check, overdraft protection, travelers check, and wire transfer services. In addition, the bank utilizes its subsidiary, Alto Service Corporation, for its deed of trust services. Its branch locations include Santa Rosa, Rohnert Park, and Windsor. 

In December the company began participating in the Treasury Department’s Capital Purchase Program . Under the program the company received $8.5 million from Treasury in exchange for shares of preferred stock. 

2007 10K
 

No federal contracts located.
 

No lobbying reports located.
 

Summit State political contributions